One of the biggest challenges—and opportunities—for business owners is finding the right finance to fuel growth. At Habitat Capital, we work with you to align the right loan structure to your needs, both now and into the future. With so many products on the market, our role is to simplify the process and ensure your funding works for your business strategy, not against it.
Smarter Finance, Stronger Business.
We arrange a range of options, including property-backed business loans, working capital lines, invoice finance, and cash flow facilities tailored to your specific cash cycle.
With access to multiple lenders and decades of business lending experience, we bring choice and commercial insight to every deal. Most importantly, we help you avoid your over-committing your personal assets—so you can focus on building your business, not betting your house on it.
Finance For My Business
At Habitat Capital, we understand that growth requires smart funding. With decades of commercial lending experience, we help business owners access tailored finance that aligns with both immediate needs and long-term goals.
The key to successful funding is clarity—we work to understand your strategy and matching the right lending solution to your business type and goals. At Habitat Capital, we help you define your objectives and then design a finance solution that supports growth without unnecessary risk.
• Business expansion: Whether it’s for new premises or a business acquisition we help support your growth.
• Inventory: We ensure your working capital can handle seasonal peaks and busy periods by funding stock ahead of demand.
• Cashflow preservation: Preserve your liquidity with fit-for-purpose finance that supports operations without draining reserves.
• Refinancing: Business needs evolve, and so should your finance. We assess your current facilities and explore better options.
Advice first:
We collaborate with your accountant and advisers to align your finance with your tax, structure, and long-term plans.
Commercial Property Lending
As the complexity and size of your investments grow you will increasingly be relying on a team of experts to advise you. An experienced commercial finance broker is essential, and that’s where we come in. With the right finance strategy, your business can unlock equity, access tax benefits, and create a valuable long-term asset. We help business owners structure smart commercial property loans that support growth today and wealth tomorrow.
Cash flow and capital growth are key to successful commercial property investment.
At Habitat Captial, we have access to a range of lending solutions including:
• Interest Only loans for improved cash-flow management.
• Limited recourse loans providing asset protection for your family home, during periods of business uncertainty.
• High-Lending Ratio’s allowing entry into the commercial market with reduced cash-flow impact upfront. We help you understand the variables and navigate the investment.